How Much Does 2002 Nissan Sentra Insurance Cost?

Do you get exhausted from sacrificing to buy insurance? You’re in the same situation as millions of other people. Big-name insurance companies like State Farm, Progressive and Geico persitently shower you with advertising and it is difficult to see through the deception and find the best price available.

If you have insurance now or need new coverage, you can use this information to find better prices and still get good coverage. Buying car insurance is quite easy. Drivers only need an understanding of the most efficient way to find the lowest price online.

How to buy car insurance online

Finding cheap car insurance quotes can be quick and easy. You just need to spend a few minutes comparing price quotes from some recommended companies. It is quite easy and can be accomplished in a couple of different ways.

1. Experts agree that the best way to find the lowest comparison rates is a comparison rater form click to view form in new window. This form eliminates the need for separate quotes for every company. A single form will get you rate comparisons from multiple companies.
2. A harder way to find better pricing consists of visiting the website of each company and fill out their own quote form. For example, we’ll pretend you want to compare rates from USAA, Geico and State Farm. In order to compare rates, you need to go to every website and repeatedly enter your information, which can be really labor intensive.

   For a list of links to insurance companies in your area, click here.

However you get your quotes, double check that you are using nearly identical coverages and limits for each quote you get. If you compare higher or lower deductibles then you won’t be able to determine the lowest rate for your Nissan Sentra.

When to get professional advice

When buying the best insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

• Should I bundle my homeowners policy with my auto?
• Why is insurance for a teen driver so high?
• Does medical payments coverage apply to all occupants?
• How much liability coverage do I need in my state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How much liability do I need to cover my assets?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Car insurance policy specifics

Learning about specific coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Auto liability insurance – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as medical expenses, pain and suffering, repair costs for stationary objects, structural damage and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, rock chips in glass, vandalism, a tree branch falling on your vehicle and hitting a bird. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for nursing services, X-ray expenses and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This coverage covers damage to your Sentra from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.